The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$85,335
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,990
−HK$2,696/mo
Today · 4.125%
HK$90,686
baseline
▲ 0.50% · 4.625%
HK$96,204
+HK$5,518/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,372/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,934
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,481
−HK$2,582/mo
Today · 4.125%
HK$100,063
baseline
▲ 0.50% · 4.625%
HK$105,338
+HK$5,275/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,126/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,402
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,587
−HK$3,237/mo
Today · 4.125%
HK$108,824
baseline
▲ 0.50% · 4.625%
HK$115,445
+HK$6,621/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,648/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,921
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,977
−HK$3,099/mo
Today · 4.125%
HK$120,076
baseline
▲ 0.50% · 4.625%
HK$126,406
+HK$6,330/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,152/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,469
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$123,185
−HK$3,776/mo
Today · 4.125%
HK$126,961
baseline
▲ 0.50% · 4.625%
HK$134,686
+HK$7,725/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$253,922/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,908
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,473
−HK$3,616/mo
Today · 4.125%
HK$140,089
baseline
▲ 0.50% · 4.625%
HK$147,473
+HK$7,384/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$280,178/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,603
−HK$9,632/mo
▼ 0.25% · 3.875%
HK$158,381
−HK$4,854/mo
Today · 4.125%
HK$163,235
baseline
▲ 0.50% · 4.625%
HK$173,168
+HK$9,933/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$326,470/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,882
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$175,465
−HK$4,649/mo
Today · 4.125%
HK$180,114
baseline
▲ 0.50% · 4.625%
HK$189,608
+HK$9,494/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$360,228/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,498 · Scale 2, in force from 26 Feb 2026)